Mortgage origination Conventional loans decreased to $1,091 Bn in 2014 compared to $1,570 Bn in 2013. Forecasts for 1st quarter of 2015 is at $320 Bn and is at $306 Bn in the last quarter of 2015. By 1st quarter of 2016 forecast is $290 Bn and is $296 Bn by last quarter of 2017

Mortgage origination for FHA and VA increased to $125 Bn in 2nd quarter of 2016 compared to $95 Bn in the 1st quarter. Forecast for 3rd quarter of 2016 is at $103 Bn and will vary from quarter to quarter. By last quarter of 2017 forecast is $84 Bn

Mortgage origination Total decreased to $1,350 Bn in 2014 compared to $1,925 Bn in 2013. Mortgage origination forecasts for 1st quarter of 2015 is at $400 Bn and $485 Bn by the last quarter of 2016. Forecast for 2017 is between $340 Bn in the 1st quarter to $380 Bn during the last quarter of 2017

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1) Taxable income needs to have dropped 20%+ before the Bankruptcy,Short Sale,Deed In Lieu,Foreclosure.Lets say BK was in 2013,was the taxable income in any one preceding year 20%+ less than the immediate previous year .